Practical articles on Saudi e-invoicing, QR compliance, and preparing for Fatoora Phase 2.
Published · 31 August 2026 · 12 min read
Ghulam Ilyas
How the ECDSA signature, the previous-invoice hash, the UUID counter, and C14N canonicalization actually fit together on a ZATCA Phase 2 invoice — and what to audit in any vendor solution.
Read article →Published · 31 August 2026 · 8 min read
Ghulam Ilyas
A practical step-by-step walkthrough of the Fatoorah onboarding flow for Saudi SMEs: VAT account, device registration, CSR generation, Compliance CSID, Production CSID, and the sandbox-to-production cutover.
Read article →Published · 31 August 2026 · 7 min read
Ghulam Ilyas
Everything Saudi businesses need to know about ZATCA Phase 2 (Fatoorah) e-invoicing: who must comply, when, what XML and ECDSA mean for your invoices, the wave schedule, and how to pick an integration partner.
Read article →Published · 31 August 2026 · 12 min read
Ghulam Ilyas
A full breakdown of the ZATCA Phase 2 wave schedule by revenue threshold, sector-specific rules, exemption categories, cost ranges for SaaS vs self-build, and a 6-month integration timeline.
Read article →Published · 31 August 2026 · 10 min read
Ghulam Ilyas
A field-by-field walkthrough of the UBL 2.1 XML schema used by ZATCA Phase 2: namespaces, mandatory fields, invoice vs debit note vs credit note, line items, tax totals, and common validation errors.
Read article →Published · 30 August 2026 · 6 min read
Ghulam Ilyas
Everything about Saudi GOSI in 2026: 9.75% employee + 12.75% employer + 2% SANID, who pays, what salary is included, the SAR 45,000 cap, non-Saudi rules, and how to check your GOSI account online.
Read article →Published · 30 August 2026 · 6 min read
Ghulam Ilyas
Every Saudi traffic violation, the 2026 fine, demerit points, and how to check or pay through Absher and the Saher system. Speeding, parking, phone use, no insurance, and more.
Read article →Published · 23 August 2026 · 4 min read
Ghulam Ilyas
How Saudi car finance works: reducing-balance formula, typical 3%–7% APR, down payment strategies, salary multiplier, and examples from Al Rajhi, SNB, Riyad Bank, and Toyota Financial.
Read article →Published · 23 August 2026 · 3 min read
Ghulam Ilyas
A complete breakdown of the Saudi Electricity Company (SEC) residential tariff: 0.18 SAR/kWh in tier 1, 0.30 SAR/kWh in tier 2, fixed meter fee, and no VAT on residential.
Read article →Published · 23 August 2026 · 5 min read
Ghulam Ilyas
Convert any Gregorian date to Hijri (Umm al-Qura) and back. Learn why Saudi Arabia uses the Umm al-Qura calendar, how it differs from the astronomical Hijri, and when to use each.
Read article →Published · 23 August 2026 · 4 min read
Ghulam Ilyas
Step-by-step guide to calculating loan monthly payments in Saudi Arabia using the PMT formula. Examples from Al Rajhi, SNB, Riyad Bank, and other Saudi lenders.
Read article →Published · 23 August 2026 · 5 min read
Ghulam Ilyas
How Saudi salary is calculated in 2026: GOSI 9.75% employee + 12.75% employer + 2% SANID, housing allowance rules, non-Saudi exemptions, and a worked example from gross to net.
Read article →Published · 23 August 2026 · 6 min read
Ghulam Ilyas
How to calculate Zakat al-mal in Saudi Arabia: 2.5% on Zakatable wealth above nisab, gold vs silver nisab, what counts as Zakatable, and common mistakes to avoid.
Read article →Published · 25 July 2026 · 1 min read
Ghulam Ilyas
Phase 1 is local generation with a 5-tag QR. Phase 2 adds Fatoora integration, XML, cryptographic stamps, and tighter deadlines for SMEs.
Read article →Published · 18 July 2026 · 2 min read
Ghulam Ilyas
A practical checklist of what small Saudi businesses need on a tax invoice: VAT number, amounts, Arabic title, and ZATCA QR.
Read article →Published · 10 July 2026 · 1 min read
Ghulam Ilyas
Learn how ZATCA Phase 1 QR codes work, why TLV Base64 encoding matters, and how SMEs can generate compliant tax invoices.
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